| Fee Type | Fee Description | Amount |
|---|
| Non Sufficient Funds (Check/ACH) | Charged when an automated item attempts to clear a share draft or savings account, by check or ACH, and there are insufficient funds to cover the item, whether paid or not. | $30.00 |
| Returned Deposit Item (Check/ACH Deposit) | Charged for deposit/payments that are returned to the credit union stamped “Non Sufficient Funds”, “Account Closed” or other reasons. | $25.00* |
| Stop Payment Member Check or ACH Item | Charged when the CU places a stop payment order on a check drawn on a member share draft account or an ACH item drawn on a member share draft. | $30.00 |
| Stop Payment CU Check | Charged when the CU places a stop payment on a credit union issued check. | $36.00 |
| CU Check | First 2 CU check free in month all other charged | $5.00 |
| Statement Copy | Charged when the CU makes a copy of an account statement | $5.00 |
| Account Research | Charged when the CU performs account research | $20.00 hour |
| Statement Reconcilement | Charged when the CU reconciles a member statement | $20.00 hour |
| ATM/Debit card replacement | Charged when the CU orders a replacement card | $7.00 |
| PIN Replacement | Charged when the CU orders a new PIN for member | $5.00 |
| ATM Withdrawal | Charged for withdrawals except at MS DHS FCU’s ATM | $2.50 |
| Money Orders | Charged for each money order | $1.00 |
| Visa Over Credit Limit | Charged when a VISA Credit Card balance goes over the approved credit limit | $25.00 |
| VISA Documentation | Charged when CU must obtain VISA Card documentation | $12.00 |
| VISA Replacement Card | Charged when the CU orders a replacement VISA Credit Card | $65.00 |
| VISA Late Fee | Charged if payment is more than 25 days late | $25.00 |
| VISA Pay by Phone | Charged for VISA Payment by telephone | $10.00 |
| VISA Returned Payment | Charged for returned check for payment on VISA | $25.00 |
| Christmas Club Withdrawal | Charged for withdrawal from a Christmas Club prior to the end of the Christmas Club term (Term withdrawals are scheduled for November 1st) | $25.00 |
| Excess Share Withdrawal | Charged for more than 2 withdrawals from shares in one month | $5.00 |
| Loan Application Fee | All loans (NON-REFUNDABLE). No credit check loan application fee is only $20.00. | $25.00 |
| Dormant Account Fee | Charged to member account with no activity for 365 days. Excludes accounts that have an active, checking, club, certificate, or loan account. | $10.00/month |
